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When you have a large amount of debt, the last thing you want to do is answer calls from debt collectors or spend all you have on a payment that lasts only one month. People get into debt for all kinds of reasons, from losing a job to suffering from medical emergencies that land them in thousands of dollars in debt. If you've found yourself in that situation, you may want to consider paying down your debt with some of these tips.

When faced with substantial unsecured debt, you may experience overwhelming feelings of anxiety and depression. These feelings typically occur due to believing that you cannot escape the financial burdens that weigh so heavily on you. However, you do have options for potentially discharging most, if not all, of those unsecured debts. If you qualify for Chapter 7 bankruptcy, filing a petition could allow you to take the first step toward a fresh start.

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